Provide it immediately
Send a complete copy as soon as you know an attorney-in-fact may sign. Do not wait for the final closing disclosure.
Getting Started
Using a Power of Attorney at closing
Not every POA is acceptable for every mortgage transaction. Tell the lender and title company early so the document and signing plan can be reviewed before closing.
Wording matters
Loan program, lender, title, state, property, occupancy, and transaction requirements may dictate specific authority or language.
Execution matters
The POA may need to be signed, witnessed, notarized, recorded, or confirmed as still effective. Requirements vary.
Approval comes before use
Underwriting and the closing agent must approve the POA and signing procedure. Early review prevents a small document from becoming a very large delay.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
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